Interest Rates Effective March 10, 2021

Loan Rates

Auto and Truck Loans

Model YearInterest Rate as low as*Maximum TermMonthly Payment on $10,000 LoanLoan FeeAPR** as Low as
2018 - NEW3.39%84 Months$133.90$703.60%
2018 - NEW3.39%72 Months$153.69$703.63%
2016 - 20173.39%60 Months$181.43$703.68%
2015 and older3.39%48 Months$223.07$703.74%

Motorcycle and ATV Loans

Model YearInterest Rate as low as*Maximum TermMontly Payment on $10,000 LoanLoan FeeAPR** as Low as
2017-NEW5.39%60 Months$192.50$705.68%
Pre-20175.79%36 Months$306.75$706.26%

Recreational Vehicle Loans--Motorhomes, Trailers and Boats

Model YearInterest Rate as low as*Maximum TermMonthly Payment on $10,000 LoanLoan FeeAPR** as Low as
New5.39%120 Months$108.85$705.55%
Used5.79%72 Months$166.34$706.04%

* Rate shown includes 0.50% for automatic payments from a 1st National Bank Account.

** Annual Percentage Rate (APR) is based upon a loan size of $10,000 and a $70 loan fee.

Home Equity Lines of Credit

90% Prime + 0%120 Months$27.08 $993.28%

* Combined Loan-to-Value (CLTV) of the first and second mortgages.

** Annual Percentage Rate (APR) is based upon a loan size of $10,000 and a $99 loan fee.

*** Prime Rate is a variable rate of interest based upon the Wall Street Journal Prime Rate and is subject to change at any time. The Prime rate as of February 2, 2021 was 3.25%.

****A $99 annual fee may apply.

CD Rates

Bonus Rates for Clients with Checking Accounts*APYRate
11 Months0.50%0.50%
4 to 5 Years0.65%0.65%
2 to 3 Years0.55%0.55%
1 to 2 Years0.45%0.45%
6 to 12 Months0.35%0.35%
If you don't have a checking account…APYRate
11 Months0.35%0.35%
4 to 5 Years0.30%0.30%
2 to 3 Years0.25%0.25%
1 to 2 Years0.20%0.20%

Savings

over $24,9990.20%0.20%
over $9,9990.10%0.10%
up to $9,9990.05%0.05%
Checking Accounts with interest0.05%0.05%
Money Market Account $100,000+0.40%0.40%
$50,000 to $99,9990.30%0.30%
$25,000 to $49,9990.20%0.20%
$10,000 to $24,9990.10%0.10%
up to $9,9990.05%

*Checking account must have an average balance of $1,000. APY (annual percentage yield) and rates on savings & checking accounts may change daily. Penalty for early withdrawal from CDs. Interest is compounded daily on all deposits. Fees could reduce earnings on your account.
See Rules and Regulations for more details.